Insurance for cleaners

For certain cleaning trades, we can extend your public liability cover to include damage to the property being worked on, e.g. if you're cleaning a client's carpet and you accidentally tear the carpet, we can cover the resulting costs.

Excess: you will be liable for 10 per cent of each and every claim, with a minimum contribution by you of £250 up to a maximum contribution by you of £500.

If you take out public liability or employers' liability insurance with us, you'll automatically get cover for temporary employees, if you use them.

The maximum number of days we cover temporary employees for will vary depending on the number of manual workers in your business.

• 1 – 5 manual workers - 60 days
• 6 – 10 manual workers - 100 days
• 11 – 15 manual workers - 150 days

Please note that the maximum number of days reflects the total number of days worked by all of your temporary employees. So, if you have seven manual workers in your business, we will provide cover for 100 days worked by all temporary employees in total.

If you're concerned about your tools getting stolen overnight, you can upgrade your tools and business equipment cover to include 24-hour tools cover for an additional premium.

Cover conditions: your vehicle must be secured at all points of entry and any alarms or immobilisers must be set. Tools must be hidden from view and removed when the vehicle is not being used for business purposes for more than five consecutive days. Cover excludes electrical items such as laptops, cameras, mobile phones, removable satellite navigation systems, handheld survey equipment etc.

Cover limit: there is a limit of £10,000 per claim and a single article limit of £1,500.

Excess: you will be liable for 10 per cent of each and every claim, with a minimum contribution by you of £100 up to a maximum contribution by you of £500.